Can your car still get repossessed even if you complied with company’s demands and were assured repossession was being cancelled?

UPDATED: Oct 2, 2011

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UPDATED: Oct 2, 2011Fact Checked

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Can your car still get repossessed even if you complied with company’s demands and were assured repossession was being cancelled?

I was behind on car payments, was told my car was going to be repossessed but as long as I made payment before an agent got it they would cancel repossession. I made the payment like I was told, called the finance company back, and gave them the numbers they needed. The rep told me that put me up to date and repossession would be cancelled as soon as she hang up with me. That was at 2 pm. I was assured all was good. Somewhere between midnight and 3 am my car was repossessed. It is Sundayand no one is at the finance company and no one answers at repo company. Will I be able to get my car back?

Asked on October 2, 2011 under Bankruptcy Law, Ohio


FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

From what you have written, it appears that your vehicle can be repossessed even though you complied with the lender's demand for making payment. The question is, was the repossession a mistake or was it actually intended where the lender was able to receive an additional car payment from you and locate the address where the vehicle was?

Did you receive something in writing from the lender stating that if you made the car payment your vehicle would not be repossessed? If not, most likely the repossession and payment was all part of a scheme by the lender and the repossession company to find out where the vehicle was in order to make repossession easier and to get an extra car payment from you.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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